Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #11767566
Complaint Overview
Complaint ID: 11767566
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Old information reappears or never goes away
State: New Jersey
ZIP Code: 07208
Date Received: 2025-01-22T12:00:00-05:00
Date Sent to Company: 2025-01-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint to address a serious issue involving two fraudulent XXXX XXXX accounts that have been improperly reinserted into my credit report by Experian. In XXXX, when I reviewed my credit report, these accounts were not present, as they had been previously removed after being identified as fraudulent. However, my most recent credit report now shows these accounts have been reinserted, and I have not received the written notification required under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( a ) ( 5 ) ( B ). This failure to provide proper notification is a clear violation of my consumer rights. These XXXX XXXX accounts were allegedly opened without my authorization and are fraudulent. Experian previously acknowledged this by removing the accounts. I believed the issue had been resolved, but their unexpected reinsertion has caused me significant distress and confusion. By failing to follow the legal requirements for reinsertion and ensuring the accuracy of my report, Experian has violated my rights under the FCRA. I respectfully request the Consumer Financial Protection Bureau to investigate this matter thoroughly.
Frequently Asked Questions
What is Complaint #11767566 about?
Complaint #11767566 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-01-22T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Experian Information Solutions INC.?
Yes, visit the Experian Information Solutions INC. company profile at readthecomplaint.com/company/experian-information-solutions-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.